I don't use credit (or debit, for that matter) for any small business / mom & pop / farmers market stuff since that processing fee is killer. I do use it for everything else from gas to groceries and such.

I had my debit card skimmed at the gas station, $500 drained from my bank account from a gas station two states away. I didn't see that money for a month, and I really needed it at the time lol. Now whenever I get scammed I just call my CC provider and they send me the money back while they work with their fraud department.